Misrepresentation

Virgoan65

Now they are threatening me with solicitors if I don't pay the remainder of the premium in 7 days!

I have reminded the insurance company: stated in their correspondence on the 18th February 2025, that “…all cover is to be cancelled due to a misrepresentation. Whilst not deliberate or reckless, this means had we known, we would have been unable to provide cover”.

Consumer Insurance (Disclosure and Representation) Act 2012

Remedies for deliberate or reckless misrepresentation

If the insurer can establish that the qualifying misrepresentation was deliberate or reckless, they may avoid the policy and repudiate all claims.  The insurer may retain any premiums paid, except to the extent that would be deemed unfair.

Remedies for careless misrepresentation

If, as a result of a careless misrepresentation, the insurer would not have entered into the contract of insurance on any terms, it may avoid the contract but must return the premiums.